Wealth Services & Solutions

Institutional Trust Services

We are retained as an investment manager, a trustee, a custodian, but primarily as a long-term trusted advisor
by many institutions – non-profits, endowments, municipalities, government agencies. We have been a
long-time active participant in the corporate trust industry throughout the New England states and in New
York.

Investment Management Services*

We provide investment advisory or investment management services to numerous institutional clients. We
work with each client to customize an investment policy that covers risk tolerance, length of investments,
tax considerations, liquidity requirements, legal restrictions, total return requirements and specific
preferences. We then meet with their Finance Committee, or other appropriate group or person, on an
ongoing basis to assess the investment parameters of their account to stay abreast of any changes to their
investment objectives or financial needs. Our clients also have secure online access to their
accounts.

We have a solid investment process that is firmly grounded on the premise of asset allocation. We have
a strong team of in-house portfolio analysts who manage a large-cap growth style and a fixed income
strategy. Additionally, to deliver a comprehensive investment strategy, we screen outside funds and
separate account managers to deliver tactical diversification, and hire those that meet our stringent
criteria. Whether an institution is best served by a carefully selected group of separate managers,
mutual funds, ETFs, or a combination of the above, we ensure that its portfolio ultimately reflects its
investment policy and meets the needs of the organization. We work with clients on an ongoing basis to
ensure that any changes in their investment needs are reflected in their portfolio.

*Investment Products and Assets held in a fiduciary account are not deposits, or other obligations, are not
guaranteed by People’s United Bank, are not insured by the FDIC, by any other government agency, or by
People’s United Bank, or any of its affiliates, and may lose value.

Custodian and Escrow Agent Services

As custodian or escrow agent, we offer recordkeeping and safekeeping services for the monies and assets of
non-profit and for-profit entities, municipalities, and government agencies. The client or its
investment manager directs the investment of assets in the account. Cash is automatically invested in a
money market fund on a daily basis. Income is collected on the assets and disbursements are made as
directed by the client.

Corporate Trustee Services

As corporate trustee, we perform the administrative and compliance functions as granted in the governing
trust agreement. We serve as trustee for non-profit and for-profit entities, municipalities, and
government agencies on a variety of trusts created to meet special needs, such as workers’ compensation
trusts, pledge trusts for captive insurance companies, environmental liability trusts, capital equipment
trusts and self-insurance trusts.

Bond Trustee Services

As bond trustee, we monitor the trust estate created by the issuance of bonds for compliance with the trust
agreement and any other governing documents. We provide Trustee and Registrar/Paying Agent services for
a wide range of clients and have been approved as a Depository Trust Company FAST Agent. We serve as
trustee for general obligation, student loan revenue, mortgage revenue, facility leases, letter of credit and
insurance backed bond issues.

Related Information

Disclaimer

Investment Products and Assets held in a fiduciary account are not deposits, or other obligations, are not guaranteed by People’s United Bank, N.A., are not insured by the FDIC, by any other government agency, or by People’s United Bank, N.A., or any of its affiliates, and may lose value.

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